I need some help... I have been reading through all of the old postings for this company and see this is a very common practice of theirs. I received a summons for a civil case in my local court.
It states that I owe them money for a charged off credit card with 2 exhibits attached. Exhibit A is an Affidavit of Account saying that they purchased this charged off debt. Exhibit B appears to be a statement of some kind saying date of delinquency of 8/05 as a charge off for $1506 and that they purchased it 11/07.
I know that their claim is within the statute of limitations for Michigan. So, I know that is not an option for me. But I am not sure how to proceed with this. Can someone help? I know that I need to go to court, but I can't afford an attorney.
I have had no communication with them other than the delivery of a summons for a civil case and one mailing from them. I have not taken any of their phone calls.
Thanks in advance.
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